Does the furnisher have to notify me if it decides that my dispute is frivolous or irrelevant?

Yes. The furnisher must notify you in writing if it decides that your direct dispute is frivolous or irrelevant. The notice must be sent within five business days of the determination.

The bank will send the notice by mail unless you have agreed to receive electronic communications.

The notice must include the reasons for the decision and identify any information that you would need to submit in order for the furnisher to investigate the disputed information.